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1. 发明申请

US20170069022A1 COMMUNICATING PROPERTY DATA 审中-公开
标题翻译：传播物业资料
公开(公告)号：US20170069022A1
公开(公告)日：2017-03-09
申请号：US14847515
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.
摘要翻译：用于传送财产数据的系统包括一个或多个可操作以接收留置权数据的接口，该留置权数据包括对财产的留置权的标识，留置权的持有人的身份，与留置权相关联的债务的余额以及与留置权有关的债务额; 以及留置权认证数据，其中包括一套或多项认证资料，包括：留置权的协议副本，留置权的财产权，以及纪念留置权的政府记录; 一个或多个存储器，用于存储所接收的留置权数据和所接收的留置权认证数据; 以及一个或多个处理器，其可操作用于：基于所接收的留置权认证数据确定所接收的留置权数据是有效的，并且基于所接收的留置权数据确定所接收的与所述留置权相关联的余额需要被更新。

2. 发明申请

US20150199660A1 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 审中-公开
标题翻译：用于收集数据和执行电子交易服务的通信网络
公开(公告)号：US20150199660A1
公开(公告)日：2015-07-16
申请号：US14154764
申请日：2014-01-14
申请人： Bank of America Corporation
发明人： Bonnie L. Dolan , Shilpoo Agrawal , Joseph B. Castinado , Jack L. Vaalburg
IPC分类号： G06Q20/10 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/10
摘要： A system for executing electronic fund transfers includes a memory comprising a database, the database configured to store electronic fund transfer data, a first interface communicatively coupled to the memory and configured to receive electronic fund transfer customer data associated with a customer and requested electronic fund transfer data describing a requested electronic fund transfer requested by the customer, and one or more processors communicatively coupled to the first interface and configured to determine, based on the received customer data, stored electronic fund transfer data associated with the received customer data and populate fields of the first interface with the stored electronic fund transfer data associated with the received customer data.
摘要翻译：一种用于执行电子资金转移的系统，包括一个存储器，该存储器包括一个数据库，该数据库被配置为存储电子资金转账数据，第一接口通信地耦合到该存储器并且被配置为接收与客户相关联的电子资金转账客户数据，描述由客户请求的所请求的电子资金转移的数据以及通信地耦合到第一接口的一个或多个处理器，并且被配置为基于接收到的客户数据来确定与所接收的客户数据相关联的存储的电子资金传输数据和填充字段与存储的电子资金传送数据的第一接口与所接收的客户数据相关联。

3. 发明申请

US20150032600A1 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 审中-公开
标题翻译：用于收集数据和执行电子交易服务的通信网络
公开(公告)号：US20150032600A1
公开(公告)日：2015-01-29
申请号：US13949714
申请日：2013-07-24
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Gregory G. Farr , Richard H. Thomas , Bonnie L. Dolan
IPC分类号： G06Q20/02
CPC分类号： G06Q20/10
摘要： In certain embodiments, a system for executing electronic transaction services comprises one or more processors operable to access first charge information associated with electronic transactions related to a plurality of nodes, access second charge information associated with electronic transactions related to a plurality of regulatory authorities, access a plurality of previously executed electronic transactions associated with a user, determine one or more transaction patterns based on the plurality of previously executed electronic transactions, determine a current cost associated with the one or more transaction patterns based at least in part on the first and second charge information, and determine, based at least in part on the first and second charge information, one or more proposed electronic transactions associated with a proposed cost less than the current cost.
摘要翻译：在某些实施例中，用于执行电子交易服务的系统包括一个或多个处理器，可操作以访问与多个节点相关的电子交易相关联的第一收费信息，访问与多个监管机构相关的电子交易相关的第二收费信息，访问与用户相关联的多个先前执行的电子交易，基于多个先前执行的电子交易来确定一个或多个交易模式，至少部分地基于第一和第二交易模式来确定与一个或多个交易模式相关联的当前成本收费信息，并且至少部分地基于第一和第二计费信息确定与低于当前成本的建议成本相关联的一个或多个所提出的电子交易。

4. 发明申请

US20200058069A1 COMMUNICATING PROPERTY DATA 审中-公开
公开(公告)号：US20200058069A1
公开(公告)日：2020-02-20
申请号：US16665982
申请日：2019-10-28
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q40/02
摘要： A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.

5. 发明授权

US10467713B2 Communicating property data 有权
公开(公告)号：US10467713B2
公开(公告)日：2019-11-05
申请号：US14847612
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q50/16 , G06Q20/14
摘要： A system for communicating property data, comprising one or more memories operable to store a lien data for a plurality of properties, the lien data including: an identification of a lien on a property, an identification of the holder of the lien, and a balance of debt associated with the lien; and one or more operable to receive a property payment request from a requesting party, the property payment request including an identification of a subject property; and one or more processors operable to: determine that the subject property is one of the plurality of properties stored on the one or more memories, determine one or more liens associated with the subject property, and determine the lien holder for each determined lien associated with the subject party.

6. 发明授权

US10380681B2 Real-time data processing 有权
公开(公告)号：US10380681B2
公开(公告)日：2019-08-13
申请号：US14847220
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Charles R. Kendall , Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q40/00 , G06Q40/02
摘要： In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.

7. 发明授权

US10417616B2 Real-time data processing 有权
公开(公告)号：US10417616B2
公开(公告)日：2019-09-17
申请号：US14847378
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Charles R. Kendall , Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/02 , G06Q20/26 , G06Q20/40 , G06Q20/42
摘要： In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to: communicate a debit notification to the debit financial institution, the debit notification including at least a portion of the received check data, and receive an authorization notification from the debit financial institution in response to communicating the debit notification, the authorization notification representing a commitment from the debit financial institution to transfer the debit amount to the deposit financial institution.

8. 发明授权

US09935961B2 Controlling access to data 有权
公开(公告)号：US09935961B2
公开(公告)日：2018-04-03
申请号：US14851728
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan , Charles R. Kendall
IPC分类号： H04L29/06 , G06F17/30 , G06Q20/40 , G06Q20/32
CPC分类号： H04L63/102 , G06F21/00 , G06Q20/00 , G06Q20/3224 , G06Q20/4016 , H04L63/08 , H04L63/0823 , H04L63/107
摘要： A system for controlling access to data, includes: one or more interfaces operable to receive an access point deauthorization message, the access point deauthorization message including one or more access point identifiers; and one or more processors operable to: determine an account identifier associated with the access point identifier included in the received access point deauthorization message, and deauthorize an access point identified by the received access point identifier from accessing the financial account associated with the determined account identifier associated with the received access point identifier.

9. 发明申请

US20170069042A1 COMMUNICATING PROPERTY DATA 审中-公开
标题翻译：传播物业资料
公开(公告)号：US20170069042A1
公开(公告)日：2017-03-09
申请号：US14847612
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q50/16 , G06Q20/14
CPC分类号： G06Q50/16 , G06Q20/14
摘要： A system for communicating property data, comprising one or more memories operable to store a lien data for a plurality of properties, the lien data including: an identification of a lien on a property, an identification of the holder of the lien, and a balance of debt associated with the lien; and one or more operable to receive a property payment request from a requesting party, the property payment request including an identification of a subject property; and one or more processors operable to: determine that the subject property is one of the plurality of properties stored on the one or more memories, determine one or more liens associated with the subject property, and determine the lien holder for each determined lien associated with the subject party.
摘要翻译：一种用于传送属性数据的系统，包括一个或多个可操作以存储多个属性的留置权数据的存储器，所述留置权数据包括：属性的留置标识，留置权的持有人的标识以及余额与留置权有关的债务; 并且一个或多个可操作以从请求方接收财产支付请求，所述财产支付请求包括主体属性的标识; 以及一个或多个处理器，其可操作以：确定所述对象属性是存储在所述一个或多个存储器上的所述多个属性之一，确定与所述主题属性相关联的一个或多个留置权，以及针对与所述主体属性相关联的每个确定的留置权确定所述留置权主题方。

10. 发明授权

US10621577B2 Controlling access to data 有权
公开(公告)号：US10621577B2
公开(公告)日：2020-04-14
申请号：US14851718
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan , Charles R. Kendall
IPC分类号： G06Q20/38 , G06F21/62 , G06F21/35 , G06Q20/40 , G06F21/32 , G06F21/45 , H04L29/06 , G06Q20/32
CPC分类号： G06Q20/382 , G06F21/32 , G06F21/35 , G06F21/45 , G06F21/6245 , G06Q20/3224 , G06Q20/405 , G06Q20/40145 , H04L63/0823
摘要： A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.

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